<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 7,322 <INT-BEARING-DEPOSITS> 243 <FED-FUNDS-SOLD> 10,775 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,515 <INVESTMENTS-CARRYING> 3,461 <INVESTMENTS-MARKET> 3,366 <LOANS> 125,678 <ALLOWANCE> (1,652) <TOTAL-ASSETS> 213,732 <DEPOSITS> 164,427 <SHORT-TERM> 20,000 <LIABILITIES-OTHER> 1,626 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 14,178 <OTHER-SE> 16,338 <TOTAL-LIABILITIES-AND-EQUITY> 213,732 <INTEREST-LOAN> 4,877 <INTEREST-INVEST> 1,730 <INTEREST-OTHER> 202 <INTEREST-TOTAL> 6,809 <INTEREST-DEPOSIT> 2,781 <INTEREST-EXPENSE> 394 <INTEREST-INCOME-NET> 3,634 <LOAN-LOSSES> 430 <SECURITIES-GAINS> (100) <EXPENSE-OTHER> 3,503 <INCOME-PRETAX> 559 <INCOME-PRE-EXTRAORDINARY> 559 <EXTRAORDINARY> 107 <CHANGES> 0 <NET-INCOME> 452 <EPS-BASIC> .26 <EPS-DILUTED> .26 <YIELD-ACTUAL> 3.83 <LOANS-NON> 45 <LOANS-PAST> 536 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> (1,284) <CHARGE-OFFS> 137 <RECOVERIES> 75 <ALLOWANCE-CLOSE> (1,652) <ALLOWANCE-DOMESTIC> (1,652) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0